Westerly Town property record for 35 Cosmo St, Westerly, RI 02891
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,935 sqft · built 1997 |
| Lot Size | 0.619 acres (26,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $612,000 (Oct 2020) |
| Tax Bill | $5,554 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WEST M:102 B:47 |
| Primary APN | WEST M:102 B:47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,935 sqft Living Area |
| Gross Area | 5,308 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,970 sqft (0.619 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2005300 |
|---|---|
| Street Address | 35 COSMO ST |
| City | WESTERLY |
| State | RI |
| Zip | 02891-5912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 47 |
| Jurisdiction | WESTERLY RI |
| Township / Civil Division | WESTERLY |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 50902 |
Source: Westerly Town records · APN WEST M:102 B:47
Assessment roll updated June 22, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 COSMO ST, WESTERLY, RI 02891-5912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HARVARD UNIVERSITY CREDIT UNION |
| Oct 15, 2020 | Deed of Trust, Mortgage HARVARD UNVI CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2020 · Amount on Record |
| Deed Sale | Oct 15, 2020 · Amount on Record |
| Deed Document Number | 20205021 |
| Deed Book / Page | 2020 / 22016 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 35 COSMO ST, WESTERLY, RI 02891-5912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 02023-8375 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 2023/8375 |
| Instrument | 2023-2102 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTERLY RI |
| Property Address | 35 COSMO ST, WESTERLY, RI 02891-5912 |
| Document Number | 2020-2018 |
| Instrument Date | Oct 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 35 COSMO ST WESTERLY RI 028915912, WESTERLY, RI 02891-5912 |
| Document Number | 2020-2018 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 002020/022018 |
| Instrument | 5022 |
| Name | HARVARD UNVI CU |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 14, 2050 |
Source: Westerly Town records · Assessment roll updated June 22, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Westerly Town |
| Unified School District | Westerly School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,554.00 (-2.95%) | $781,100 (+31.3%) Land $178,700 Building $602,400 |
| 2023 | $5,723.00 (+0.63%) | $594,900 (-) Land $128,200 Building $466,700 |
| 2022 | $5,687.00 | $594,900 Land $128,200 Building $466,700 |
Source: FEMA National Flood Hazard Layer as of December 26, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 40 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WESTERLY WATER DEPARTMENT serves 35,298 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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